“ACBA CREDIT-AGRICOLE BANK” CJSC OPERATIONAL TARIFFS (ISSUANCE AND SERVICE OF PAYMENT CARDS)

Valid from the 20th December, 2016

1. This document shall establish the fees and commissions (hereinafter referred to as “the Tariffs”) charged by “ACBA-CREDIT AGRICOLE BANK” closed joint stock company (hereinafter referred to as “the Bank”) for issuance and service of payment cards. 2. These tariffs are set on the basis of existing service principles of international banking practice. 3. The tariffs set herein are subject to unilateral change by the bank upon prior notice on the Bank website and/or other public sources, by means posting announcement in a place visible for clients within the bank premises, as well as noticing the clients in the manner stipulated by corresponding contracts. 4. Signing of the template document or contract, developed for a specific service, by the client shall verify the acceptance by the client of these tariffs, as well as separate terms and conditions and rules established by the bank for given services. 5. The terms and conditions for services, operations and transactions, not directly stipulated by these tariffs, however rendered by the bank, shall be established by a contract entered between the Bank and the client and/or internal legal act of the Bank. 6. In specific cases, in the view of the client cash flow, account balances, credit and/or saving deposit history in the bank, business reputation, the loyalty period, tariffs (non standard) preferential to those set herein may be offered. 7. The commissions for the rendered services stated in this document may be charged by the bank unilaterally (unaccepted) from the client bank account, unless otherwise stipulated by the contract entered with the client. 8. The bank shall not be liable for the delays, faults and damages occurred as a result of force-majeure (natural disasters, acts of state bodies, strike, political disorders, blockades, termination of operation of telecommunication means, other emergency circumstances).

1. GENERAL TARIFFS 1.1. Issuance of card (including linked and additional) and opening card account free of charge 1.2. Card account minimum balance 0 1.3. Cash-free payment by card free of charge 1.4. Cash-free banking transactions with card via POS-terminals at branches of ArCa system 200 AMD member banks 1.5. Payment at service points of branches of ArCa system member banks, including on line, cash- free payments, including payments for goods purchased via auctions of Compulsory Enforcement 200 AMD Service. 1.6. Provision of card regular or additional statement free of charge 1.7. Card termination and/or restoration free of charge free of charge- without cheque 1.8. Disbursement of card balance upon expiration of card effective term book 1.9. Card blocking/unblocking free of charge 1.10. Correction of wrong utility payments made by cardholder via card 1,000 AMD 1.11. Disbursement of card account balance without cheque book, with the exception of for the following transactions done through permanent transfers: Tariffs established for cash  Utility payments disbursement via Bank ATMs  Customer’s refill and POS-terminals  Transfers to Visa “Benefactor” card charity fund account

1.12. Card account positive balance transfer via ACBA ON-LINE system, ACBA Mobile or Phone According to tariffs defined for Banking to the customer’s other accounts in the Bank, foreign currency conversion from the card the cash withdrawal via ATMs account among the customer’s other accounts in the Bank, and also transfers in the territory of RA. and POS-terminals 1.13 Utility payments from card account positive balance via ACBA ON-LINE and ACBA MOBILE free of charge - Gold and American Express Blue cards in 1.14. Credit line with deposit pledge, credit line completely secured by monetary funds frozen on the AMD - 17%, current account or invested as a deposit. Other cards-18% - Foreign currency cards – 15% 1.15. Credit line with reducible limit

AMD cards 22-24% - Credit line with reducible limit without pledging based on financial flows, good reputation and/or Foreign currency cards – 18- guarantee. 22% AMD cards 22-24% - Pledged credit line with reducible limit Foreign currency cards – 17- 18% 1.16. Non- line

AMD cards - 22-24% - Non-revolving credit line without pledging based on financial flows, good reputation and/or Foreign currency cards – 18- guarantee. 22%

AMD cards 20-22% - Pledged non-revolving credit lines Foreign currency cards – 17- 18%

In AMD - 20-24% annual, 1.17. Non-recoverable credit line, secured with gold In USD - 15% annual In Euro-14% annual

1.18. Entering cash to Bank card account via ATM machines

- Bank ATM machines 0% 1%

- ATM machines of other banks members of “Armenian Card” system

in the tariffs defined for cash 1.19. Cash disbursement from ATMs of VTB (Armenia) Bank from Visa, MasterCard and cards withdrawals via the Bank's and from ATMs of Prometey Bank from Visa Card ATMs and POS terminals for relevant cards

By tariffs, set for the cash 1.20. Cash disbursement from attached card in the ATMs and cash disbursement points of the Bank disbursement from main card (except for American Express Cashback attached cards)1 from ATMs and POS-terminals of the Bank

1.21. Cash disbursement from Visa, MasterCard and American Express cards of other banks from cash 2% disbursement points of the Bank

2. GROUP 1 CARD TARIFFS ArCa ArCa ArCa VISA ArCa Maestro Transfer ArCa Maestro Pension Transfer Classic Electron Farmer card card

2.1. Card 3,600 AMD 3,600 account 3000 AMD 3,600 AMD ∗ annually AMD free of free of charge free of charge service annually annually free of charge annually charge commission 2.2. Annual interest rate accrued against card 0% 0% 0% 0% 3% 0% 0% 0% account positive balance Cards in AMD without pledging- 22%-24% in foreign currency- 18%-22%

2.3. Annual - cards in - cards in AMD - cards in AMD Cards in - cards in interest rate AMD -20%- - - - cards in AMD with AMD - charged 24% 3 22%-24% 24% - cards in AMD - AMD - pledge- 20- 22%-24% 3 against used 3 - cards in - cards in - cards in 22%-24% 22%-24% 22% - cards in 18% credit line foreign foreign foreign - cards in foreign foreign 4 and/or account currency currency - currency - currency - 18%-22% 2 In foreign currency - 4 18%-22% 4 18%-22% 18%-20% currency - 18%-22% 17%-18%

2.4. Interest- free period of ------used credit line In compliance with the 2.5. agreement Mandatory on credit 10% 10% 10% _ 10% _ 10% monthly line, repayments provided with payment card

1 American Express card ∗ Up to two child care benefit provided for payment cards with no service fee.

2 The annual interest rate for the overdo of the cards that don’t have credit lines is defined in the maximum amount of the interest rate range foreseen for the given card. 3 After reissue of the card for the clients having credit line on the given payment card for at least three years - 20-22% 4 After reissue of the card for the clients having credit line on the given payment card for at least three years - 17-18%

American American Express American Express Cashback - Express Cashback - 300 AMD Cashback - American 300 AMD American monthly 300 AMD Express monthly Express Visa monthly Cashback- Visa Electron/ Cashback American Express 2.6. Additional Electron/ Maestro - 300 AMD Maestro - - 300 AMD American Cashback-300 AMD card service Maestro - American 1,500 AMD monthly 1,500 AMD monthly Express monthly commission 1,500 AMD- Express one-time Visa one-time Visa Cashback-300 Visa Electron - 1,500 (issued for the one-time Cashback- payment, Electron/ payment, Electron - AMD monthly AMD one-time term of payment , 300 AMD MasterCard Maestro - MasterCard 1,500 payment principal card) MasterCard monthly UEFA 1,500 UEFA AMD one- UEFA Champions AMD one- Champions time Champions League - time League - payment League - 5,000 AMD payment 5,000 AMD 5,000 AMD one-time one-time one-time payment payment payment 2.7. Linked card service commission Free of Free of Free of Free of Free of charge Free of charge Free of charge (issued for the charge Free of charge charge charge term of charge principal card) 2.8. Card AMD, AMD, AMD, AMD, account AMD USD, EUR AMD AMD, USD AMD, USD USD, EUR USD, EUR USD currency 2.9. Card 3 years 3 years 3 years 3 years 3 years 2 years 3 years effective term 5 years 2.10. Cash disbursement from ATMs and cash disbursement points - below 500,000 - below AMD - below 500,000 daily - 0% 500,000 AMD daily- - more AMD daily - 0% than 0% - ACBA 0% - more than 500,000 (only CREDIT - more than 500,000 0% (only in 1% (only in 1% AMD in 0% AGRICOLE 500,000 AMD daily - ATMs) ATMs) daily - ATMs BANK AMD daily - 0.5% 0.5% ) 0.5% (only - for foreign - for in ATMs) currency foreign cards- currency 0.5% cards- 0.5% - “Armenian

Card” system 1% 1% 1% 1% 1% 0.5% 1% member bank 1% - 1%, - Other minimum - 1%, minimum 1,500 Armenian 1% 1% 0.5% 1% 1% 1% 1,500 AMD Banks AMD 1%, - 1%, - Other minimum 1%, minimum 1,500 - minimum - - - - Foreign Banks - 1,500 AMD 1,500 AMD AMD

-500,000 2.11. Cash -500,000 -2,000,000 -2,000,000 AMD -500,000 disbursement AMD AMD AMD -1,000 500,000 500,000 AMD - 500,000 AMD AMD daily -1,000 USD -4,000 USD -4,000 USD USD AMD -1,000 USD -1000 USD -1,000 USD maximum limit -1,000 EUR -4,000 EUR -4,000 EUR -1,000 EUR

2.12. Maximum number of cash 5 5 5 5 5 5 5 5 disbursement daily transactions 1,000,00 2.13. -1,000,000 2,000,000 1,000,000 0 AMD Maximum limit 1,000,000 1,000,000 1,000,000 1,000,000 AMD AMD AMD AMD -2,000 of daily AMD AMD AMD -2,000 USD -2,000 USD -4,000 USD -2,000 USD USD payment -2,000 USD -2,000 USD -2,000 euro -2,000 euro -4,000 euro -2,000 euro -2,000 transactions euro

2.14. http://www.arc a.am card-to- card 0.3% 1% 0.3% 0.3% 0.3% 0.3% 1% 0.3% transactions to Bank cards via website and ATMs 2.15. http://www.arc a.am card-to- card transactions to other bank 0.5% 1% 0.5% 0.5% 0.5% 0.5% 1% 0.5% cards of members of “Armenian Card” system via website and ATMs 15 AMD, 15 AMD, 15 AMD, 15 AMD, 15 AMD, 15 AMD, 2.16. SMS- including including including including including including information VAT(for VAT(for VAT(for VAT(for VAT(for Free of charge Free of charge VAT(for each service each each each each each message) message) message) message) message) message) 2.17. Card replacement in case of loss, damage of the card and loss of PIN code -Card urgent replacement ------abroad 700 AMD -Card (first 1,500 replacement in 1,000 AMD 1,000 AMD 1,000 AMD replacement 1,000 AMD 1,500 AMD 1,500 AMD AMD Armenia free of charge) 3. GROUP 2 CARD TARIFFS MasterCard VISA VISA VISA Classic MasterCard UEFA 5 VISA Gold MasterCard Gold Student “BARERAR” Standard Champions League 3.1. Card 3,000 AMD 500 AMD 6,000 AMD 6,000 AMD 6,000 AMD 18,000 AMD 18,000 AMD annually account annually monthly annually annually annually annually service commission 3.2. Annual interest rate accrued against card 0% 0% 0% 0% 0% 0% 0% account positive balance - cards in - cards in AMD - - cards in AMD - - cards in AMD - cards in AMD - - cards in - cards in AMD - 3.3. Annual AMD -24% 22%-24%3 22%-24%3 - 22%-24%3 AMD - 22%- 22%-24%3 interest rate -cards in - cards in - cards in foreign 22%-24%3 - cards in foreign 24%3 - cards in foreign charged foreign foreign currency currency - 18%- - cards in currency - 18%- - cards in currency -18%-22%4 against used currency - - 18%-22%4 22%4 foreign 22%4 foreign credit line 22% currency - currency - and/or account (charged 18%-22%4 18%-22%4 overdraft2 against overdraft) Since the day of Since the day of Since the day Since the day of Since the day Since the day of registration of registration of of registration registration of of registration registration of 3.4. Interest- th transaction until transaction until of transaction transaction until of transaction transaction until 14 free period of th th th th th 7 calendar day 7 calendar day until 7 7 calendar day until 14 calendar day of the used credit - of the month of the month calendar day of the month calendar day month following the line (only for following the following the of the month following the of the month transaction month payment transaction transaction following the transaction month following the transactions) month month transaction transaction month month 3.5. Mandatory - 10% 10% 10% 10% 10% 10% monthly repayments

5 For the founders and heads of the merchants having cooperation agreements with the Bank regarding POS terminals and online payments the card accounts service is free of charge, annual interest rate for credit line usage and/or for account overdo- 20%.

American Express American Cashback - Express 300 AMD MasterCard Cashback- 300 monthly American American Gold - 7,500 AMD monthly MasterCard Express Express AMD one- 3.6. Additional Master Card American Standard - Cashback- 300 Cashback- time payment card service Standard - 3000 Express 3,000 AMD AMD monthly 300 AMD MasterCard Visa Gold - 7,500 commission AMD one-time Cashback- 300 one-time MasterCard monthly UEFA AMD one-time (issued for the payment, AMD monthly payment, Standard – Visa Classic - Champions payment term of MasterCard MasterCard 3,000 AMD 3,000 AMD League - principal card) UEFA UEFA one-time one-time 5,000 AMD Champions Champions payment payment one-time League - 5,000 League - payment AMD one-time 5,000 AMD payment one-time payment 3.7. Linked free of free of charge free of charge free of charge free of charge free of service charge commission 2,000 AMD (issued for the term of principal card) 3.8. Card AMD, USD, AMD, USD, AMD, USD, AMD, USD, account AMD, USD, EUR AMD, USD, EUR AMD, USD, EUR EUR EUR EUR EUR currency

3.9. Card 5 years 3 years 5 years 3 years 3 years 5 years 3 years effective term

3.10. Cash disbursement via ATMs and cash disbursement points - for AMD cards - for AMD - 0% cards - 0% - over daily - ACBA- - over daily 500,000 AMD - CREDIT 500,000 0.5% 1% 1% 1% 1% 1% AGRICOLE AMD - 0.5% - for foreign BANK - for foreign currency cards - currency 0.5% cards -0.5%

- “Armenian

Card” system 1% 1% 1% 1% 1% 1% 1% member bank - Other 1%, minimum 1%, minimum 1%, minimum 1,500 Armenian 1% 1% 1% 1% 1,500 AMD 1,500 AMD AMD Banks 1%, - Other 1%, minimum 1%, minimum 1%, minimum 1%, minimum 1%, minimum 1%, minimum 1,500 minimum Foreign Banks 1500 AMD 1,500 AMD 1,500 AMD 1,500 AMD 1,500 AMD AMD 1,500 AMD 3.11. Cash - 500,000 - 500 000 AMD - 500,000 AMD - 500,000 AMD - 500,000 AMD -1,000,000 - 1,000,000 AMD disbursement AMD - 1000 USD - 1,000 USD - 1000 USD - 1,000 USD AMD - 2,000 USD daily - 1,000 USD - 1000 EUR - 1,000 EUR - 1,000 EUR - 1,000 EUR -2,000 USD - 2,000 EUR maximum limit - 1,000 EUR -2,000 EUR 3.12. Maximum number of cash 5 5 5 5 5 5 5 disbursement daily transactions 3.13. - 1,000,000 - 1,000,000 - 1,000,000 AMD - 1,000,000 - 1,000,000 AMD - 2,500,000 - 2,500,000 AMD Maximum AMD AMD - 2,000 USD AMD - 2,000 USD AMD - 5,000 USD daily limit of - 2,000 USD - 2,000 USD - 2,000 EUR - 2,000 USD - 2,000 EUR - 5,000 USD - 5,000 EUR payment - 2,000 EUR - 2,000 EUR - 2,000 EUR - 5,000 EUR transactions 3.14. http://www.arc a.am card-to- card 6 7 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% transactions to Bank cards via website and ATMs

6 For the card-to-card transfers made via www.arca.am or ATMs for VISA Classic/MasterCard Standard and VISA Gold/MasterCard Gold cards which were provided to the customers having time deposits in the Bank free of charge - 1%

3.15. http://www.arc a.am card-to- card transactions to other bank 6 8 7 7 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% cards of members of “Armenian Card” system via website and ATMs 15 AMD, 15 AMD, 15 AMD, 15 AMD, 3.16. SMS- including 15 AMD, including including VAT including Free of information VAT(for including VAT(for Free of charge VAT(for each (for each VAT(for each charge service each each message) message) message) message) message) 3.17. Card replacement in case of loss, damage of the card and loss of PIN code -Card urgent - replacement ------

abroad -Card replacement in 1,000 AMD 1,500 AMD 1,500 AMD 1,500 AMD 1,500 AMD 2,000 AMD 2,000 AMD Armenia 4. GROUP 3 CARD TARIFFS American Express Cashback American Express Gold7 American Express Blue 4.1. Card account service 5 000 AMD monthly or 50,000 1 500 AMD monthly or 600 AMD monthly or 6 000 AMD annually 8 9 commission AMD annually 15 000 AMD annually 4.2. Annual service fee in case of provision of second and - 30,000 AMD 10,000 AMD third cards in foreign currencies to card holders10 4.3. Annual interest rate accrued against card account 0% 0% 0% positive balance

4.4. Annual interest rate -cards in AMD – 18% -cards in AMD - 20% -cards in AMD – 18% charged against used credit -cards in foreign currency - -cards in foreign currency - 16% -cards in foreign currency -16% line and/or account overdraft 16%

4.5. Minimum limit of credit 1,000,000 AMD or equal foreign currency 1,000,000 AMD or equivalent 180,000 AMD or equivalent line (maximum) foreign currency (minimum) foreign currency (minimum) Since the day of registration of Since the day of registration of 4.6. Interest-free period of th th transaction until 20 calendar transaction until 20 calendar used credit line (only for 15 calendar days upon receipt of transaction day of the month following the day of the month following the payment transactions) transaction month transaction month 4.7. Mandatory monthly 10% 5% 10% repayments 4.8. Additional card service - - - commission -the first two cards- free of 4.9. Linked card service charge commission (issued for the 2,000 AMD 5,000 AMD - third and forth card- 10,000 term of principal card) AMD 4.10. Card account currency AMD, USD, euro AMD, USD, EUR AMD, USD, EUR 4.11. Card effective term 3 years 3 years 3 years 4.12. Cash disbursement via ATMs and cash disbursement points - ACBA CREDIT AGRICOLE 1.5% 4% 3% BANK - Other Foreign Banks 1.5% - minimum 1,500 AMD 4% - minimum 2,500 AMD 3% - minimum 2,500 AMD - 500,000 AMD - 1,000,000 AMD - 500,000 AMD 4.13. Cash disbursement daily - 1,000 USD - 2,000 USD - 1,000 USD maximum limit - 1,000 euro - 2,000 EUR - 1,000 EUR 4.14. Maximum number of cash disbursement daily 5 5 5 transactions - 1,000 000 AMD -2,500,000 AMD -1,000 000 AMD 4.15. Maximum limit of daily - 2,000 USD - 5,000 USD - 2,000 USD payment transactions - 2,000 EUR - 5,000 EUR - 2,000 EUR

7 For the founders and heads of the merchants having cooperation agreements with the Bank regarding POS terminals and online payments- 35.000 AMD annually 8 35 000 AMD in case of card credit lines provided with the pledge of monetary funds for the customers who have “Classic”, “Accumulative” and “Family” time deposits in the Bank 9 10 000 AMD in case of card credit lines provided with the pledge of monetary funds for the customers who have “Classic”, “Accumulative” and “Family” time deposits in the Bank

10 In case the validity period of the first card has expired and the customer hasn’t re-issued it, the commission fee for the given cards is charged according to the tariffs noted in the point 4.1.

4.16. http://www.arca.am card- tocard transactions to Bank 2% 2% 2% cards via website and ATMs 4.17. http://www.arca.am card- to-card transactions to other 2% 2% 2% bank cards via website and ATMs 4.18. SMS-information service free of charge free of charge free of charge 4.19. Card replacement in case of loss, damage of the card and loss of PIN code -Card urgent replacement 20,000 AMD 30,000 AMD 20,000 AMD abroad -Card replacement in Armenia 2,500 AMD 5,000 AMD 2,500 AMD 4.20. “Membership Rewards” program _ 10,000 AMD _ membership service fee11 4.21. Priority Pass program membership -issuance of Priority Pass card _ free of charge - to main cardholders - issuance of Priority Pass _ 5,000 AMD - card to linked card holders - Priority Pass card effective _ 3 years - term 15 English pound sterling - Each visit (per 1 person) _ (charge by Priority Pass - system) 15 English pound sterling - Visitors (per 1 person) _ (charge by Priority Pass - system)

5. GROUP 4 CARD TARIFFS

ArCa Business Visa Business 5.1. Card account service 12 13 5,000 AMD annually 15,000 AMD annually commission 5.2. Annual interest rate accrued against card account positive 0% 0% balance 5.3. Annual interest rate charged 24% (charged against - AMD cards – 18-20%, against used credit line and/or 2 overdraft) - Foreign currency cards – 16-20% account overdraft 5.4. Interest-free period of used Since the day of registration of transaction until 7th credit line (only for payment - calendar day of the month following the transaction transactions) month 5.5. Mandatory monthly repayments - 10% 5.6. Additional card service commission (issued for the term of - ArCa Business - 3,000 AMD14 one-time payment principal card) - the first two cards-free of 5.7. Linked card service charge - the first two cards-free of charge commission(issued for the term of - third and all the following - third and all the following cards-3,000 AMD principal card) cards-1,000 AMD

5.8. Card account currency AMD15 AMD, USD, EUR 5.9. Card effective term 3 years 3 years 5.10. Cash disbursement via ATMs and cash disbursement points - ACBA CREDIT AGRICOLE BANK 0.3%16 1% - “Armenian Card” system member 1% 1% bank - Other Armenian Banks 1% 1% - Other Foreign Banks - 1%, minimum 1,500 AMD

11 In case the membership to the program is made while ordering the card, there is no membership fee charged. 12 For the founders and heads of the merchants having cooperation agreements with the Bank regarding POS terminals and online payments- 3.000 AMD annually. 13 For the founders and heads of the merchants having cooperation agreements with the Bank regarding POS terminals and online payments- 5.000 AMD annually. 14 For the founders and heads of the merchants having cooperation agreements with the Bank regarding POS terminals and online payments- Free of charge. 15 In case ArCa Business card is supplemented to the foreign currency Visa Business card, ArCa Business card is provided in the relevant currency. 16 In case ArCa business card is supplemented to Visa Business card, the commission fee for ArCa Business card in the ATMs and cash disbursement points comprises 1%.

- 1,000,000 AMD - 1,000,000 AMD 5.11. Cash disbursement daily - 2,000 USD - 2,000 USD maximum limit - 2,000 EUR - 2,000 EUR 5.12. Maximum number of cash 5 5 disbursement daily transactions - 2,500,000 AMD - 2,500,000 AMD 5.13. Maximum limit of daily -5,000 USD -5,000 USD payment transactions - 5,000 EUR - 5,000 EUR 5.14. http://www.arca.am card-to- card transactions to Bank cards via 0.3% 0.3% website and ATMs 5.15. http://www.arca.am card-to- card transactions to other bank 0.5% 0.5% cards of members of “Armenian Card” system via website and ATMs 15 AMD, including 15 AMD, including VAT 5.16. SMS-information service VAT(for each (for each message) message) 5.17. Card replacement in case of loss, damage of the card and loss of PIN code - Card urgent replacement abroad - - - Card replacement in Armenia 1,000 AMD 2,000 AMD 6. GROUP 5 ACTIVE CARD TARIFFS Visa Gift 6.1. Annual interest rate accrued against card account 0% positive balance 6.2. Annual interest rate charged against used credit line 24% (charged against overdraft) and/or account overdraft 6.3. Card account currency AMD, USD 6.4. Card effective term 3 years 6.5. Cash disbursement via ATMs and cash disbursement points - ACBA CREDIT AGRICOLE BANK 0.5% - “Armenian Card” system member bank 1% - Other Armenian Banks 1% - Other Foreign Banks 1,000 AMD - 300,000 AMD 6.6. Cash disbursement daily maximum limit - 1,000 USD 6.7. Maximum number of cash disbursement daily 5 transactions 6.8. Card-to-card transactions to Bank cards via website and 0.3% ATMs 6.9. Card-to-card transactions to other bank cards of 0.5% members of “Armenian Card” system via website and ATMs 6.10. SMS-information service 15 AMD, including VAT(for each message) 7. SERVICE OF TRADE AND SERVICE CENTRES 7.1. Commissions charged from trade and service centres Negotiable against card service 7.2. Rent for POS-terminals for trade and service centres. free of charge

Notices In the Republic of Armenia ArCa Transfer and Maestro Transfer cards holders with documented income, who within the last 5 months received at least transfers ((deposited on the account), (the average monthly amount of transfers made within the last 5 months exceeds 60,000 AMD)), can be provided credit line below 100,000 AMD on ArCa Transfer and Maestro Transfer cards, and purchases on credit, consumer loans secured by gold and other consumer loans shall be disbursed at interest rate, which is below the interest rate established for given loans in the Bank, by 2% (except for loans fully collateralized by cash assets and purchase on credit at 0% interest rate.). For the amounts in USD received via Bank_Mail and SWIFT systems at transfer to ArCa Transfer and Maestro Transfer cards in USD a commission of 0.5% is charged, at least - 1,000 AMD. In case of cash-free transfer to ArCa Transfer and Maestro Transfer cards in AMD exceeding 500 000 AMD, (except for amounts transferred via express transfer systems and amounts deposited to the account as a result of cash and cash- free exchange) a commission of 0.3% is charged. Against card account positive balance, as a result of application of annual simple interest rate for a period of 365 days and interest capitalization and payment frequency the annual return over interest for ArCa Pension card constitute 3.08%, for all other cards - 0%. As a result of tariffs established by the Bank for issuance and service of cards, the annual return over interest may decrease. The compensation of the banking deposits of individuals in ACBA-CREDIT AGRICOLE BANK is guaranteed at the amount of the deposits subject to compensation by the RA Law on “Guaranteeing the Compensation of Individuals Deposits”, particularly:  in case of deposits only in AMD - 10 mln. AMD,  in case of deposits only in foreign currency- 5 mln. AMD,  in case of deposits both in AMD (more than 5 million) and in foreign currency only the deposit in AMD - at the amount of 10 mln. AMD,  in case of deposits both in AMD (less than 5 million) and in foreign currency–the deposit in AMD fully and the deposit in foreign currency at the amount equal to the difference of AMD 5 mln. and the compensation of the deposit in AMD. - The interest shall accrue against the card account balance, on daily basis, within the entire effective term of the card. The interest shall cease to accrue on the 14th day following the expiration of card effective term and or on the following business day. - The accrued interest shall be paid to card account on monthly basis, on the last business day of each month. American Express Gold, American Express Blue cards are not issued by Bank credit committee decision, in case credit line disbursement is rejected. The maximum daily limit of cash disbursement, the maximum limit of one transaction and the maximum number of cash disbursement transactions may be changed free of charge, upon verbal consent of the card holder. The payment transactions performed via American Express Cashback cards in the Bank are registered on the 15th day upon execution of the transaction, if that day is a non-working day – on the next working day. Define the following tariffs for the Visa Gold/MasterCard Gold cards for founders, directors, chief accountants of organizations working with the Bank in the frameworks of salary programs based on cooperation agreements on payment cards servicing and the orders of the Bank’s Chief executive officer: a) Card account service commission fee- free of charge b) Cash disbursement via the Bank’s ATMs and cash outpoint- free of charge c) Interest rate of the credit line/surcharge- 2% less than the minimum interest rate foreseen by the given salary program, but not less than 14%.

Definition of terms used in Tariffs

• Interest-free period – , within which, for payment transactions, in case the used part of the card loan assets are deposited to the card account, the card holder shall not pay the interest. • Mandatory monthly repayments- as of the end of each month, the stated interest rate of the used credit line is subject to repayment within 50 days after the end of the given month, (for VISA “Purchase anywhere” card - within 40 days). In case of failure to fulfill the stated liability within the established term the cardholder, apart from the amount subject to mandatory repayment, shall be also liable to pay the monetary liability for card service due as of that moment, accrued surcharge and the interests accrued against such surcharge. • Additional card- other payment system card attached to the effective card account. Additional card enables the cardholder to use the assets available on his/her principal card account, if unforeseen problems occurred with principal card or it is not served by the given commercial/service point and/or ATM machine. The additional card commission lump sum shall be charged for the entire effective term of the card, with the exception of American Express Cashback card, the service fee of which is charged on a monthly basis. • Linked card- a card of the same payment system and type linked to the effective card account. The linked card is provided by the holder of principal card to the stated person and enables the latter to use the assets available on the principal card account within the amount limits defined in the linked card application. For any type of cards, maximum 2 linked cards are provided, except for American Express Gold cards (maximum 4 linked cards) and ArCa Business and Visa Business (unlimited number of linked cards) cards. The linked card commission lump sum shall be charged for the entire effective term of the card. • SMS-notification – receipt of sms message on the phone number stated in the card application about the turnover of the cardholder card account.